Refund & Cancellation Policy

Last updated: 21 June 2026. This policy is provided for transparency about how refunds and cancellations work for our digital products. Please read it in full before you buy.

1. Who we are

This site (SwiftScore) is operated by PatchPilot Ltd, a company registered in England & Wales, trading as “SwiftScore”.

Company number: available on request ahead of launch
Registered office: available on request ahead of launch
Refund & cancellation enquiries: support@patchpilot.co.uk

This policy forms part of, and should be read alongside, our Terms of Use and Privacy Policy.

2. What you can buy

We offer paid digital products and services:

Premium subscription — £6.99 per month, giving access to more markets, deeper analysis and an ad-free experience.
Credits — one-off purchases (£2.99 = 600 credits, £5.99 = 1,500 credits, £12.99 = 4,000 credits) used to open virtual collectible “card packs”.

Our free predictions, statistics and content do not involve any payment and so are not covered by this policy. Strictly 18+.

3. The nature of credits and collectible cards

Credits and collectible cards are a digital entertainment feature only. They have no monetary or cash value, are non-withdrawable and non-tradeable, cannot be exchanged for money or transferred between users, and confer no real-world prize of money’s worth. Because they hold no cash value, there is nothing to “cash out”: a refund of an unused balance, where one applies, returns the original payment to your card and removes the corresponding credits from your account.

4. Your 14-day cancellation right for digital content

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you normally have 14 days from the date of purchase to change your mind and cancel a contract for digital content and receive a refund.

However, the law also allows you to ask for that digital content to be supplied to you immediately, before the 14-day period ends. When you do so, you must acknowledge that you will lose your right to cancel once supply has begun.

4.1 Credits

When you buy credits, you are asking us to make them available to your account immediately so you can use them straight away. By completing the purchase you:

expressly consent to the immediate supply of the credits; and
acknowledge that, to the extent you have spent credits, you lose the statutory 14-day right to cancel those credits, because the digital content has already been supplied and consumed.

Unused credits: if you contact us within 14 days of purchase and you have not yet spent any of the credits from that purchase, we will refund that purchase in full and remove the credits from your account. If you have spent part of a purchase, we may, at our discretion, refund the pro-rata value of the credits that remain genuinely unused from that purchase; we are not obliged to refund credits already spent.

Credits are consumed at the moment a card pack is opened. The outcome of a pack (which cards you receive) does not create a right to a refund, as opening a pack is the digital service you paid for.

4.2 Premium subscription

If you start your Premium subscription immediately, the same principle applies: you consent to immediate supply and acknowledge that your 14-day cancellation right ends once the service has been fully supplied for that billing period. In practice, if you cancel within 14 days of first subscribing and have made little or no use of Premium features, contact us and we will deal with your request fairly and in line with your statutory rights.

5. Cancelling your Premium subscription

You can cancel your Premium subscription at any time from your account settings or by emailing support@patchpilot.co.uk.

Cancelling stops future renewals. You will not be charged again after you cancel.
Your Premium access continues until the end of the billing period you have already paid for, then reverts to the free tier.
We do not give partial-month refunds for the unused part of a billing period, except where you are entitled to one under your statutory rights (for example, where the service is faulty — see section 7).

If a renewal payment is taken in error after you cancelled, contact us and we will refund it.

6. How to request a refund

To request a refund or cancellation, email support@patchpilot.co.uk from the email address linked to your account, telling us:

what you bought (Premium, or which credit pack);
the approximate date of purchase; and
the reason for your request.

We aim to acknowledge your request within 2 business days and to resolve eligible refunds within 14 days of agreeing them. Approved refunds are made to the original payment method through our payment processor; we do not refund to a different card or account.

7. Faulty service and your statutory rights

Nothing in this policy affects your legal rights. Under the Consumer Rights Act 2015, digital content must be of satisfactory quality, fit for purpose and as described. If something we charged you for does not work as it should, you may be entitled to a repair, a replacement or a refund (in whole or in part). To be clear, our predictions are statistical estimates, not guarantees, and are not betting or financial advice — a prediction that does not come true is not a fault and does not entitle you to a refund.

8. Payments and your card details

Payments are processed by Stripe (Stripe Payments Europe / Stripe, Inc.), acting as our payment processor. Your card details are handled securely by Stripe and are never stored by us. Refunds are issued through Stripe back to the card used for the original purchase.

9. Chargebacks

If you believe a charge is wrong, please contact us first at support@patchpilot.co.uk — we can usually resolve issues faster than your bank. Starting a chargeback or payment dispute for a purchase that you in fact authorised and used (for example, credits you have already spent) may lead us to suspend or close your account while the dispute is investigated. This does not affect any genuine right you have to dispute an unauthorised or incorrect transaction with your bank.

10. Changes to this policy

We may update this policy from time to time. The “Last updated” date above shows when it was last changed. Refund requests are handled under the version of this policy in force at the time of your purchase.